If you were to pay your bills using your credit card vs using your bank account (debit card), you would have more rights and protections with the credit cards. At least when a charge appears on your credit card, that's still a type a "virtual money," until you actually pay it with real money. But if you pay with your debit card or EFT, that is real money, and it's hard to get back. It can be done, but it takes a long time.
That's why when people were still signing up for AOL left and right, it was recommended to use a credit card and not the online checking (what EFT used to be commonly know as). Sometimes AOL continued to charge you after you terminated your service with them (remember those days - wonder why AOL isn't America's favorite anymore). If they took money from your bank account, there was no incentive for your bank to fight for you to get the money back - they make money from fees and loans. If they charged your credit card and you made a formal written dispute, then that money would go to AOL and you would not have to pay for it, meaning the credit card company would lose that money themselves, so the credit card company would fight for that money because they had a personal interest in it.
If you listen to one show of Clark Howard, or check out consumer's rights pages, you will probably run into many people that find this out the hard way, when ethically, it shouldn't happen, but legally it does.
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